Debt Problem in Europe and USA

It seems to me that the most important PROBLEM in European Union (and USA) is "FREE Social Security/Government benefits".
Governments spend a MAJOR amount from their budget on unemployment benefits, healthcare, social benefits (which are NOT productive). If the governments are out of money to provide these benefits, they take LOAN from other countries and increase their Debt. As a result, the citizens availing these benefits don't even try to work. Hence, the DEBT crisis in EU and USA.

A solution to the debt problem is to reduce all the SOCIAL BENEFITS and increase TAX on rich people. Peace.